Our Services

Senior Debt development finance is the conventional type of property development loan, where the lender takes a first charge over the site or property being developed. This type of loan generally funds up to 65% of the Gross Development Value or 80% of project costs. 

• Minimum Loan of £100,000, no maximum loan

• Residential, Commercial & Semi-commercial 

• England, Scotland & Wales

• Rates from 6% per annum

• First time developer funding available

Stretched senior finance allows developers to keep all of their borrowing with one lender and may prove simpler than running mezzanine finance alongside senior debt. 

Mezzanine finance is designed to act as a top-up loan, with funders usually securing their position by taking a second charge over the development to reduce their risk. This financing option is generally used to reduce the deposit needed to undertake a property development project, allowing developers to secure the highest return on investment with the lowest deposit contribution.

• Up to 75% Loan to Gross Development Value

• Up to 90%(+) Loan to Cost 

• £100,000 minimum loan, no maximum

Bridging finance, also known as a bridging loan, is a short-term financing solution that can be used for a multitude of business purposes. It provides quick access to funds, allowing investors to complete property purchases or renovations before securing long-term financing or sale. Bridging finance can be particularly useful for those looking to take advantage of time-sensitive opportunities. With flexible terms and fast approval times, bridging finance can be an invaluable tool.

• Rates from 0.49% pm 

• Residential, commercial and semi-commercial

• Terms up to 18 months 

• Negotiable arrangement fees of 2%

• LTV's up to 80% 

• 100% purchase available for below market value purchases

• Adverse credit funding 

• Loans available for; Purchase, refurbishment, capital raise, sales period funding, land with/without planning and many other purposes.

• Fast-track products available 

• No valuation & desktop valuation products available up to £2 million.

• 100% development funding for experienced developers

• 50/50 profit share

• UK Mainland only

• New builds, conversions & modular builds

• Full planning required